What's in it for me?
A clean view of the terms worth comparing.
Earn 4X rewards on all retail spends and additional 4X rewards on monthly retail spends above INR 20,000.
01
Rewards and useful benefits
Earn 4X rewards on all retail spends and additional 4X rewards on monthly retail spends above INR 20,000.
- 4 reward points per INR 150 on all Retail spends (except Government, Insurance, and Fuel categories)
- 1 reward point on every INR 150 spent on Government and Insurance categories
- 4 additional reward points per INR 150 on monthly Retail spends above INR 20,000
- No Joining Fee
- Complementary Lounge Access
- 1% Fuel Surcharge waiver on all fuel spends
- Credit card transactions supported via contactless payments
- Enhanced security for online transactions
02
Fees and renewal
- Annual
- ₹1,000 + GST
- Waiver
- Renewal fees will be reversed on spends of INR 1,50,000 or higher in previous year
03
Published eligibility
- Income
- Applicants should have a stable monthly income.
- Age
- Applicant’s age should be between 18 and 65 years. Minimum age for add-on cardholder is 18 years.
- Employment
- Applicants should belong to credit card sourcing cities/locations of the Bank.
04
Four lines to check before you apply
- The joining fee, annual fee, GST and the exact annual-fee waiver rule.
- The reward value after redemption—not just the number of points earned.
- Monthly caps, excluded merchant categories and whether UPI transactions qualify.
- Your eligibility, the final application offer and the issuer’s current terms.